What is the reward rate on the IndiGo SBI Card ELITE?

You earn 7 points per ₹100 on IndiGo App and Web. Everything else earns 2 points per ₹100. Each point is worth about ₹1 when you redeem it well, so ₹10,000 of top category spend gives you 700 points, roughly ₹700, which is about 7% back. Fuel, Wallet Loading earn nothing at all.

Does the IndiGo SBI Card ELITE give free airport lounge access?

The IndiGo SBI Card ELITE gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. International lounge visits are capped at 8 a year. Access is not automatic any more, because you need ₹1L of spend in the previous quarter before the visits become available, which is ₹33,333 a month.

What changed on the IndiGo SBI Card ELITE recently and is it still worth it in 2026?

SBI portfolio-wide cuts (1% fees Nov 2025, MCC exclusions incl. tolls/FASTag, Jan 2026 lounge tightening). The changes are dated Nov 2025; Jan 2026. At ₹3L of yearly spend the card returns roughly ₹6,000 at its general rate of about 2%, against a ₹4,999 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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Card Details

7958 5812 1070 6280

IndiGo SBI Card ELITE

SBIMASTERCARD

Monzy Score

7/ 10

Good for lounge-hungry travellers.

Thin rewards outside its core category.

Card Issuer

SBI Card

Joining Fee

₹4,999

Annual Fee

₹4,999

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Neelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
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Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026

Earn Points

7 BluChips/₹100

On IndiGo bookings

Benefits

Flights

Up to 7 BluChips per ₹100 on IndiGo bookings

Travel

8 domestic + 6 international lounge visits/year

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, utility, rent, government, insurance, wallet

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

IndiGo website / app

7 IndiGo BluChips per Rs 100 (~7% value back). BluChips redeem 1:1 on IndiGo flights/services.

₹2,100

Hotels / lodging & travel MCCs

3 BluChips per Rs 100.

₹0

All other spends

2 BluChips per Rs 100. Fuel gets 1% surcharge waiver (Rs 500-4,000) capped Rs 200/month but no BluChips.

₹0

Total Annual Return

₹25,200

7% Effective ROI

What Users Are Saying

Community Feed

Nov 2025

IndiGo SBI Card ELITEPOSITIVE

“Which SBI Travel Credit Card is the Best Pick: IndiGo Elite,”

by r/CreditCardsIndia, Nov 2025

IndiGo SBI Card ELITENEUTRAL

“IndiGo is coming out with 2 new cards, partnered with SBI”

by r/CreditCardsIndia, Oct 2025

IndiGo SBI Card ELITENEUTRAL

“SBI Elite card benefits?”

by r/CreditCardsIndia, Jul 2024

IndiGo SBI Card ELITENEUTRAL

“Is anybody using Indigo Elite SBI card?? How good is”

by r/CreditCardsIndia, Nov 2025

IndiGo SBI Card ELITENEUTRAL

“People considering the SBI IndiGo Credit Card”

by r/CreditCardsIndia, Jun 2026

Frequently Asked Questions

The IndiGo SBI Card ELITE charges ₹4,999 plus GST as a joining fee and the same ₹4,999 again at renewal. There is no spend based waiver on this card, so the ₹4,999 is a fixed yearly cost you pay regardless of how much you spend.

Things to Keep in Mind

The welcome benefit of a complimentary flight ticket is a voucher worth Rs. 5,000, redeemable against a single booking's base fare.

The Rewards earned are valid for 24 months from the date of accrual.

←

Card Details

7958 5812 1070 6280

IndiGo SBI Card ELITE

SBIMASTERCARD

Monzy Score

7/ 10

Good for lounge-hungry travellers.

Thin rewards outside its core category.

Card Issuer

SBI Card

Joining Fee

₹4,999

Annual Fee

₹4,999

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Earn Points

7 BluChips/₹100

On IndiGo bookings

Benefits

Flights

Up to 7 BluChips per ₹100 on IndiGo bookings

Travel

8 domestic + 6 international lounge visits/year

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, utility, rent, government, insurance, wallet

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

IndiGo website / app

7 IndiGo BluChips per Rs 100 (~7% value back). BluChips redeem 1:1 on IndiGo flights/services.

₹2,100

Hotels / lodging & travel MCCs

3 BluChips per Rs 100.

₹0

All other spends

2 BluChips per Rs 100. Fuel gets 1% surcharge waiver (Rs 500-4,000) capped Rs 200/month but no BluChips.

₹0

Total Annual Return

₹25,200

7% Effective ROI

What Users Are Saying

Community Feed

Nov 2025

IndiGo SBI Card ELITEPOSITIVE

“Which SBI Travel Credit Card is the Best Pick: IndiGo Elite,”

by r/CreditCardsIndia, Nov 2025

IndiGo SBI Card ELITENEUTRAL

“IndiGo is coming out with 2 new cards, partnered with SBI”

by r/CreditCardsIndia, Oct 2025

IndiGo SBI Card ELITENEUTRAL

“SBI Elite card benefits?”

by r/CreditCardsIndia, Jul 2024

IndiGo SBI Card ELITENEUTRAL

“Is anybody using Indigo Elite SBI card?? How good is”

by r/CreditCardsIndia, Nov 2025

IndiGo SBI Card ELITENEUTRAL

“People considering the SBI IndiGo Credit Card”

by r/CreditCardsIndia, Jun 2026

Frequently Asked Questions

Things to Keep in Mind

The welcome benefit of a complimentary flight ticket is a voucher worth Rs. 5,000, redeemable against a single booking's base fare.

The Rewards earned are valid for 24 months from the date of accrual.

←

Card Details

7958 5812 1070 6280

IndiGo SBI Card ELITE

SBIMASTERCARD

Monzy Score

7/ 10

Good for lounge-hungry travellers.

Thin rewards outside its core category.

Card Issuer

SBI Card

Joining Fee

₹4,999

Annual Fee

₹4,999

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Earn Points

7 BluChips/₹100

On IndiGo bookings

Benefits

Flights

Up to 7 BluChips per ₹100 on IndiGo bookings

Travel

8 domestic + 6 international lounge visits/year

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, utility, rent, government, insurance, wallet

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

IndiGo website / app

7 IndiGo BluChips per Rs 100 (~7% value back). BluChips redeem 1:1 on IndiGo flights/services.

₹2,100

Hotels / lodging & travel MCCs

3 BluChips per Rs 100.

₹0

All other spends

2 BluChips per Rs 100. Fuel gets 1% surcharge waiver (Rs 500-4,000) capped Rs 200/month but no BluChips.

₹0

Total Annual Return

₹25,200

7% Effective ROI

What Users Are Saying

Community Feed

Nov 2025

IndiGo SBI Card ELITEPOSITIVE

“Which SBI Travel Credit Card is the Best Pick: IndiGo Elite,”

by r/CreditCardsIndia, Nov 2025

IndiGo SBI Card ELITENEUTRAL

“IndiGo is coming out with 2 new cards, partnered with SBI”

by r/CreditCardsIndia, Oct 2025

IndiGo SBI Card ELITENEUTRAL

“SBI Elite card benefits?”

by r/CreditCardsIndia, Jul 2024

IndiGo SBI Card ELITENEUTRAL

“Is anybody using Indigo Elite SBI card?? How good is”

by r/CreditCardsIndia, Nov 2025

IndiGo SBI Card ELITENEUTRAL

“People considering the SBI IndiGo Credit Card”

by r/CreditCardsIndia, Jun 2026

Frequently Asked Questions

Things to Keep in Mind

The welcome benefit of a complimentary flight ticket is a voucher worth Rs. 5,000, redeemable against a single booking's base fare.

The Rewards earned are valid for 24 months from the date of accrual.